Why isn’t identity as easy as retail payments? We can dip a credit card or tap a smart phone at any one of a hundred million terminals almost anywhere in the world, and money instantly flows. We should have the very same user experience ― with the same security, reliability, privacy and regulatory backing ― whenever and wherever we wish to present any credential, attribute or personal data. We could have it all. Carrying and proving our bona fides, citizenship, professional memberships, school grades, age, government IDs, health identifiers and vaccination records can finally be as universal as payments.